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Colony Bank

Fitzgerald, GA · Cert 22257 · Colony Bankcorp Inc.

State charter, non-member · FDIC · 33 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Colony Bank

Fitzgerald, GA · Cert 22257 · Colony Bankcorp Inc.

State charter, non-member · FDIC · 33 branches

Q2 2026

$3.6BAssets
$2.5BLoans
$3.0BDeposits
$404.1MEquity
Loan mix
85%RE $2.1B8%C&I $0.2B7%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $2.5B17%Noninterest $0.5BQ2 2025Q2 2026

NIM

4.36%Q2 ’244.56%Q2 ’254.90%Q2 ’26+12%+16%

Non-interest income vs. expense

2.69%Q2 ’242.69%Q2 ’252.95%Q2 ’26+6%+15%

Market Position · Albany, GA · 2026 SOD (annual) · 7.6% share · #6 of 15 inst. · $0.3B of $3.3B

70.7% Ben Hill
36.9% Polk
7.4% Thomas
28.9% Upson

Executive Summary

  • Earnings: ROA of 1.08%, up 7 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.76% of loans (+23 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 9.97%, up 49 bps from a year ago.
  • Funding: loans stand at 82.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+45 bps YoY

Efficiency Ratio (YTD, annualized)

63.89%-139 bps YoY

Tier 1 Leverage Ratio

9.97%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.93%0.92%0.94%1.08%+7 bps
Return on Equity10.22%9.30%9.09%8.68%9.90%-32 bps
Net Interest Margin2.90%3.00%2.89%3.31%3.35%+45 bps
Efficiency Ratio65.28%67.31%67.36%67.03%63.89%-139 bps
Non-Interest Burden1.48%1.60%1.54%1.84%1.70%+22 bps
Growth
Asset Growth (YoY)3.51%2.79%20.08%17.24%16.47%+1,296 bps
Loan Growth (YoY)5.77%7.45%30.67%24.86%23.48%+1,771 bps
Deposit Growth (YoY)4.31%2.32%19.29%16.05%16.11%+1,180 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.70%0.95%0.73%0.76%+23 bps
Net Charge-Offs / Loans0.16%0.23%0.21%0.28%0.28%+12 bps
Allowance / Loans0.95%0.88%0.94%0.89%0.89%-6 bps
Allowance Coverage of NPLs1.8x1.3x1.0x1.2x1.2x-0.6x
Capital
Tier 1 Leverage Ratio9.48%9.83%10.78%9.95%9.97%+49 bps
Total Risk-Based Capital14.14%14.18%14.48%14.45%14.42%+28 bps
Equity / Assets10.05%10.27%10.69%10.98%11.18%+113 bps
Liquidity & Funding
Loans / Deposits77.79%78.55%79.41%79.05%82.72%+494 bps
Liquid Assets / Assets15.88%17.87%16.51%17.23%13.73%-215 bps
CRE / Total Capitaln/a416%420%413%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Colony Bank

Fitzgerald, GA · Cert 22257 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Colony Bankcorp Inc.

State charter, non-member · FDIC · 33 branches

Q2 2026

$3.6BAssets
$2.5BLoans
$3.0BDeposits
$404.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 66% of banks $1B-$10B in assets operating regionally (rank 60 of 176).
  • Widest gap: net charge-offs / loans trails 85% of banks $1B-$10B in assets operating regionally (rank 151 of 176).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.10%

Rank 107 of 176

Net Interest Margin

3.35%

Rank 122 of 176

Efficiency Ratio

64.96%

Rank 120 of 176

Equity / Assets

11.18%

Rank 62 of 176

Non-interest income vs. expense

$46.3M$109.0MINCOMEEXPENSE
Unfavorable gap of $62.7M · efficiency ratio beats 32% of banks $1B-$10B in assets operating regionally
Bank 64.96%Peer median 59.6%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.93%1.26%1.54%Beats 39%107 / 176
Return on Equity9.87%9.26%11.89%14.46%Beats 33%118 / 176
Net Interest Margin3.35%3.25%3.59%3.93%Beats 31%122 / 176
Efficiency Ratio64.96%52.79%59.55%67.66%Beats 32%120 / 176
Asset Quality
Nonperforming Loans / Loans0.76%0.30%0.64%1.32%Beats 43%102 / 176
Net Charge-Offs / Loans0.15%0.01%0.04%0.10%Beats 15%151 / 176
Capital
Tier 1 Capital Ratio13.55%11.15%12.72%14.15%Beats 66%60 / 176
Total Risk-Based Capital Ratio14.42%11.81%13.63%15.33%Beats 63%65 / 176
Equity / Assets11.18%9.16%10.35%11.80%Beats 65%62 / 176
Liquidity & Funding
Loans / Deposits82.72%80.94%89.73%97.21%29th pctl125 / 176
Loans / Assets68.88%69.25%75.12%80.82%23rd pctl135 / 176
Brokered Deposits / Depositsn/aNot reported for this institution